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This article didn't even touch on the most obvious reasons people prefer the self-serve. First, the ATM example. If banks in the US are anything like the banks
by smokinn 16y ago
This article didn't even touch on the most obvious reasons people prefer the self-serve.
First, the ATM example. If banks in the US are anything like the banks in Canada you can use the ATM for free but pay substantial service fees if you go to the teller. So of course people wait in line at the ATM instead.
For the others dealing with a human, because of past abuse by companies, is typically viewed as having a lot of potential friction. The humans are trained to try and upsell you at every turn (would like like this as well? it's only an extra this amount) and the humans are much better at upselling than the machines so it's no wonder we go for the machines. It's much easier to ignore the upsells and just go with your regular routine.
For me, dealing with a human at a company is nearly always slow and aggravating with them going off on tangents I don't want them bringing me in. The best way of keeping them on track is to be rude which I don't like to do to humans but have no problem with when I'm dealing with a machine.
- knarf_navillus 16y agoI was subjected to three different upsells during one visit to Little Caesar's yesterday. "Would you like to try our ham and pineapple pizza?" "No, just cheese, thank you." "Can I interest you in some crazy bread or italian cheese bread?" "Yes, I'd like some cheese bread, please" (was going to order it anyway) "Would you like to add an order of crazy bread as well for just $1?" "No."
- nhebb 16y agoThis is why I don't go to Dick's sporting goods anymore.
- starkfist 16y agoAt US banks, there are generally no fees at the teller that you wouldn't also pay at the ATM.
- pavel_lishin 16y ago> If banks in the US are anything like the banks in Canada you can use the ATM for free but pay substantial service fees if you go to the teller. Really? This has never been the case for me (Texas, Bank of America). I go up to the counter, deposit cash, take some out, talk about some weird charges, etc., etc and it's all free as far as I can tell.
- ergo98 16y ago>are anything like the banks in Canada Which Canadian bank charges for using the teller, aside from the exact fees you would get at the ATM? I have never seen this.
- smokinn 16y agoI'm with Desjardins. I may have been mislead into believing all banks do this but it may be a Desjardins-only thing: http://www.desjardins.com/en/particuliers/produits_services/comptes-services-relies/frais-service/faq.jsp http://www.desjardins.com/en/particuliers/produits_services/... Q. Why are fees at the ATM lower than those at the teller counter? A. Teller services are more expensive because they involve caisse employees, unlike other access methods like ATMs, direct payments or AccèsD.
- winthrowe 16y agoI believe this is specific to Desjardins; I've used three of the major Canadian banks over the years and have not seen this.